If you are not a heli builder how do you intend to repair it when you crash? Building helis is not hard to do, maybe a bit time consuming but not bad. It is however the best means of knowing how to repair the heli after a crash. IMO, it also will help you fly better since you will far better understand how the heli works.

Anyway just look around. I have seen some RTF packages from readyheli.com that looked pretty good and heard good things about them. Just keep in mind that the more you spend onhelis, typically, the better the heli will be. Such as the 190 gyro will probably work, but it's not heading hold. The 401 gyro will hold the tail dead on for a T-Rex. Cheaper servos may make the heli harder to fly due to less precise centering and a more slop.